Wear and Tear
Insurance Glossary
The gradual deterioration of property from age and ordinary use, which homeowners and auto policies exclude. Insurance is written for sudden and accidental events, so a roof that has reached the end of its service life, a pipe that corroded over years or worn brakes are treated as maintenance rather than a claim. Damage that results from a failure can still be covered even when the failed part itself is not, and where insurers draw that line is a frequent source of claim disputes.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.